Enter your average income below to estimate applicable free-cash in all major European cities. By free-cash we mean your disposable income, left in your pocket after paying tax, rent, insurance, public transport, food expenses and basic entertainment. How does it work?

average income is
₴ 60000
per

Your estimated
City
free-cash

Helsinki , Finland
₴22178
₴22742
₴24305
₴16078
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

You can choose the amount to declare for pension contributions and choose a pension insurance company or a pension insurance fund you prefer to use; or you could opt out of pension contributions altogether. You can find more details on Finnish Centre for Pensions

-
-
-
60 000
municipal
-
-
-
10 666
health
-
-
-
746
national
-
-
-
7 931
total
-
-
-
19 343
Employee
22 409
-
50 475
-
health
167
-
600
-
municipal
3 670
-
8 228
-
pensions
1 512
-
3 407
-
unemployment
336
-
757
-
national
370
-
5 053
-
total
6 055
-
18 045
-
Employer
22 409
-
50 475
-
accident
23
-
50
-
unemployment
145
-
328
-
pensions
3 888
-
8 758
-
health
172
-
389
-
total
4 228
-
9 525
-
Corporate
33 363
60 000
-
-
income
6 672
12 000
-
-
total
6 672
12 000
-
-
Dividends

Finish residents use 75% of income from dividends as a base for income tax.

20 018
36 000
-
-
national
348
2 990
-
-
municipal
3 603
6 480
-
-
total
3 951
9 470
-
-
Income
60 000
60 000
60 000
60 000
Total tax
20 906
21 470
27 570
19 343
After tax
39 094
38 530
32 430
40 657
Living cost
16 352
16 352
16 352
16 352
Free-cash
22 742
22 178
16 078
24 305

Estimated living cost  is ₴16352 per week

₴10681
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴260
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴3838
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Source of data for Helsinki model

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